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• W2778362712 abstract "Korean Abstract: 본 연구는 재무설계사의 노후관련 인식과 노후준비 정도를 살펴보고, 인구사회학적 특성에 따른 노년기에 대한 견해와 노후준비 의식 차이 그리고 노후준비 정도를 분석하였다. 연구대상은 서울과 경기지역에서 활동하고 있는 생명보험사의 재무설계사 248명으로, 자료 분석은 SPSS 18.0 for Windows를 이용하였다. 분석기법으로는 빈도분석, 신뢰성분석, 다중회귀분석, t-test(검증)과 One-way ANOVA(일원분산분석) 등을 실시하였으며, 분석변수는 인구사회학적 특성(성별, 연령, 결혼상태, 학력, 종교, 부양가족, 재무설계사 경력, 월평균소득), 노후준비 정도, 노년기에 대한 견해, 노후준비 의식, 성공적 노화 인식 등이 포함되었다. 본 연구의 결과를 요약하면 다음과 같다. 첫째, 안정된 노년기를 위해 경제적 준비에 대한 필요성은 높게 인지하고 있으나, 신체적 준비는 충분하지 못한 것으로 나타났다. 둘째, 응답자의 대부분이 노년기에 발생하는 신체적 변화, 성적 욕구, 경제적 지원, 자녀와의 관계 등에서 부정적인 답변을 보였다. 셋째, 노후준비 의식은 대체로 높은 것으로 나타났으며, 노후준비방법으로는 은행적금, 부동산, 주식투자 등과 함께 공적연금의 필요성에 대해서도 긍정적 답변을 제시하였다. 이상의 결과를 통하여 재무설계사들의 노후준비 의식, 성공적 노화 인식은 높은데 반해, 스트레스, 성인병 예방 등 신체적 준비는 다소 미흡한 것으로 나타냈다. 또한 성공적 노화란 경제적 부분뿐만 아니라 신체적․심리적․사회적인 부분까지도 고려되어야 한다. 고객의 노후준비를 지원하는 재무설계사들의 노후관련 인식과 노후준비 정도를 제시하였다는 데 의의를 갖고자 한다. English Abstract: This study examined the perception of the old age and the preparation level for retirement among the financial planners, and explored the differences between the perception of old age and preparation level according to demographic characteristics. We used the data from 248 financial planners of life insurance company, working in Seoul and Gyeonggi Province. SPSS 18.0 for frequency analysis, reliability analysis, multiple regression analysis, t-test (verification) and one-way ANOVA (One-way analysis of variance) was used. Analysis variables include demographic characteristics such as gender, age, marriage status, education, religion, dependents, financial planner's career, monthly average income, the views on aging, the consciousness of preparing for retirement, successful age awareness, the preparation of old age. The results indicate that the necessity for economic preparation for stable aging is highly recognised, while that of physical readiness is insufficient. Most of the respondents expressed low level of preparation to the physical changes, sexual desire, economic support, and relationship with their children as well. Another finding also showed that such methods for retirement planning as public pension funds, bank installment savings, real estate and stock investments are well perceived by the financial planners. Finally, the differences in perception of old age are correlated with differences in the preparation level for retirement: the financial planners who score higher on the perception of old age are more likely to be engaged in the financial preparation for their retirements. This literature implies this paper provides useful information for financial planning practitioners who need to support their clients’ financial planning for retirement and to explain the necessity of perception of old age, and recommends to extend to the level of not only physical but also socio-emotional preparation for retirement." @default.
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• W2778362712 title "(A Study on the Perception of Old Age and Preparation Level for Retirement Among the Financial Planners)" @default.
• W2778362712 doi "https://doi.org/10.2139/ssrn.3084477" @default.
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